08-25-2012 07:47 AM
How many inquiries do you have? They accepted me with 12 or 13.
GE tends to be one of those companies that, when they deny you, just throw at random reasons and hope they stick.
08-25-2012 07:51 AM
Around 20? A couple of car dealerships went nuts in a 2 month time frame when I asked them to stop floating my information around if they couldn't get an approval. In fact, after they got an approval and I purchased else where - they still kept apping me.
08-25-2012 07:58 AM
I have one unpaid collection for student loans, the rest have been PFD. 6 months perfect history on an auto loan, 2 secured cards.
I have no public records. I only have 4 positive trade lines - auto loan, WF secured card, Cap1 secured card, Sears Citi. Other than that I have no recent credit.
And it appears to be the GE scoring model.
Apparently I can't win.
what is the score range?
08-25-2012 07:59 AM
08-25-2012 08:00 AM
^ I hate dealers that do this. There should be a law against it. I've seen scores tank 700 to 620's after dealer app sprees. I own a car dealership and I am always sensitive about how many apps I do for my customers and I always make them aware that it is a hard pull and explain the difference.
08-25-2012 08:05 AM
It sucks. I know for a fact some of them kept apping me after they had gotten a couple of approvals, and I went else where to buy. EQ has more than any of them - over 50! All from companys I have never even heard of.
08-25-2012 08:12 AM
08-25-2012 10:02 AM
myfico uses an older version of TU Fico that almost no one uses anymore (TU04), everyone uses TU08 now.
myfico sells TU98, not TU04. FICO 04 is the most widely used Fico scoring model. Some use FICO 8. Few still use FICO 04. Also, EQ Fico score sold by myfico is FICO04. So basically right on your basic facts but just wrong on the various numbers .
You're right lol, i don't know how I switched them hehe, thanks for correcting me!
08-25-2012 06:32 PM
the monthly TU cr i get from walmart has me a 695 this month and last month at 693. But when i was approved for their card they had me at 404 in their internal score system.
@JSICKZ32, how did you get GE's internal score for you? i was just recently approved and got my card and cardmember agreement today but i couldnt find any kind of score on any of the paperwork? i was just curious to see what score they had me at lol
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.